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Does Hair Loss Treatments Come Under Health Insurance?
Hair is one of the most important parts of a person's personality. On average, people lose 80 to 100 strands of hair daily. Around 57% of males, aged between 29 to 52 years, experience various hair-loss problems, while females, though less affected, still contribute significantly to these statistics. With growing concern about appearance, hair loss treatments are becoming increasingly popular, prompting questions about whether such treatments are covered by health insurance.
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- Does Hair Loss Treatments Come Under Health Insurance?
Baldness: A Concerning Hair Loss Issue
Generally, people in our country have accepted 'baldness' for a very long time as they thought it was a general genetic phenomenon. It was common after a particular age. But, times have changed, and people have gotten more serious about these issues and tend to focus on how they appear.
Hair loss has been clinically termed as 'Alopecia'. For people still in their early age, baldness has turned out to be a horrible nightmare for both males & females.
The following might be the possible reasons for hair loss:
- Lack of nourishment
- Usage of hair cosmetics
- Medication for a long period
- Inappropriate care of hair
- Genetic hair fall
- Incorrect shampooing or brushing of hair.
Coming to the cost of hair loss treatment in India, it is often calculated based on the grafting method. Each graft comprises 1 to 3 hair follicles and the approximate cost of each graft ranges between ₹25-45. So, the entire cost depends on the number of grafts that are being transplanted. Usually, the transplantation ranges from about 600 grafts to 4600 grafts, the exact number of which is based on the amount of hair loss.
Is Hair Transplant Covered Under Insurance?
No, health insurance companies in India do not provide coverage for hair loss treatments. Hair loss is typically classified as a cosmetic or aesthetic issue rather than a medical condition, which makes it ineligible for insurance coverage. Additionally, there is no specific type of mediclaim policy, such as "hair transplant insurance," to address the costs associated with hair loss treatments. Even optional riders or add-ons offered by insurance providers do not include benefits for hair transplant procedures.
As a result, any expenses incurred for hair loss treatments, including consultations, medications, or surgical procedures, must be paid out-of-pocket by the person seeking treatment.
Why is Hair Loss Treatment Not Covered by Health Insurance?
Check out some of the key reasons why hair transplant surgery is excluded under medical insurance coverage:
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Focus on Essential Medical Needs
Health insurance is designed to cover medical costs related to illnesses or injuries that affect overall health. While hair loss can sometimes result from health conditions or treatments, it is often caused by other factors like genetics or aging. Because of this, hair loss treatments are generally not seen as a priority in healthcare coverage.
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Considered a Cosmetic Concern
Hair loss treatments often fall under cosmetic procedures rather than medical necessities. While medications can help treat certain causes of hair loss, hair transplant surgeries are usually performed for aesthetic reasons. Even though some cosmetic procedures are gradually being included in mediclaim insurance policies, hair transplants remain excluded since they are not considered medically essential.
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High Prevalence of Hair Loss
Hair loss is extremely common, affecting a large number of men and women in India. Every year, thousands of people seek treatment for hair loss. Covering such a widespread condition would place a massive financial burden on insurance companies. Therefore, it is excluded under health insurance.
FAQs
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Q1. Is hair transplant covered by insurance?
Ans: Hair loss treatments are not covered by health insurance because they are usually considered cosmetic rather than medically necessary. -
Q2. Can I claim insurance for hair loss treatment?
Ans: No, you cannot file a health insurance claim for hair loss treatment because such treatments are purely for aesthetic reasons, which are often excluded by medical insurance. -
Q3. Can I use health insurance for a hair transplant?
Ans: No, there is no hair transplant cover in health insurance. Since it is not considered essential for overall health, it falls outside the scope of medical insurance policy. -
Q4. Why is alopecia not covered by insurance?
Ans: Alopecia is generally not covered by insurance because it is not considered a life-threatening or critical medical issue.
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